JP5973604B1 - Electronic loan contract storage system, method and program thereof - Google Patents

Abstract

An electronic loan contract can be stored for a period according to the status of the contract. When the electronic signature is successfully assigned, the final signature date and time of the electronic contract management storage unit is updated, and when the signatures of all the signers designated as signers of the electronic contract are completed, the electronic signature is updated. A long-term storage status code in the contract management storage unit is set to a code indicating that long-term storage is being prepared, and a long-term storage target contract management number is obtained by referring to the long-term storage status code and the last signature date and time. When the long-term signature is obtained by acquiring the electronic contract associated with the contract management number acquired by the storage determination unit and the long-term storage determination unit from the contract storage unit and executing the long-term signature, the long-term storage status code is displayed. A long-term signature executing means for setting a code indicating that the long-term storage is in progress and updating the final signature date and time is provided. [Selection] Figure 2

Description

  The present invention relates to an electronic loan contract storage system, a method and a program thereof, and more particularly, an electronic loan contract created on the Internet using a technique such as an electronic form and an electronic signature according to the status of the contract. The present invention relates to an electronic loan contract document storage system, a method and a program which can be stored over a period of time.

  When a financial institution provides a loan to a business operator, a loan contract that defines the loan amount, interest rate, term, repayment method, and the like is created between the financial institution and the business operator. Conventionally, such contracts have been processed using paper documents. However, with recent advances in electronic technology, it has become possible to perform procedures on the Internet using electronic documents.

  Patent Document 1 discloses an electronic loan contract system used to conclude a loan contract when a financial institution makes a loan transaction with a business partner. In particular, in the electronic loan contract system described in Patent Document 1, creation of a contract for a plurality of parties, assuring the originality of the created contract, and the like are being challenged and attempts are being made to solve them.

  Here, in Patent Document 1, it is desirable not only to prevent tampering in the signing process, but also to ensure the safety after signing for the preservation of the created contract. Disclose archiving of browsed contract file, signature data and digital certificate.

  Patent Document 2 discloses an electronic document management apparatus that efficiently manages an electronic signature and a time stamp expiration date of an electronic document according to a storage period, while excluding the electronic document that is no longer required to be stored as a management target. It is disclosed.

Japanese Patent No. 4245492 Japanese Patent No. 4577190

  Patent Document 1 merely states that it is desirable to ensure the safety after signing (electronic signature) for the storage of a contract created in a loan contract. Considering that the expiration date is 10 years when using electronic signatures and time stamps at present, the electronic loan contract system has a new problem of how to store electronic loan contracts. However, Patent Document 1 does not mention this point.

  In order to verify an electronic document for more than 10 years, it is assumed to use a long-term signature mechanism that extends the period during which signature verification is possible by passing a time stamp based on a new encryption technology every 10 years.

  Patent Document 2 discloses a process for updating a long-term signature by monitoring the update timing of an electronic signature and a time stamp only in a storage period in which the electronic document is required to be stored in an electronic document corresponding to an electronic document method that requires long-term storage. By judging the execution, the efficiency of document management is improved. On the other hand, in the case of an electronic loan contract, there is no clear retention period in the first place, and therefore, the present technology that determines execution of a long-term signature update process according to the storage expiration date cannot be applied to an electronic loan contract.

  In order to solve the above-described problems, an electronic contract document storage system according to the present invention includes an electronic contract management storage unit that stores a long-term storage status code and a last signature date and time linked to a contract management number, and a contract management number. A contract storage unit that stores an electronic contract by linking, and an electronic signature execution unit that provides an electronic signature to the electronic contract in response to the signature execution instruction. Update the date and time of the last signing of the electronic contract management storage unit, and if the signing of all the signers specified as the signers of the electronic contract is complete, store it in the long-term storage status code of the electronic contract management storage unit Refer to the long-term storage status code and the last signature date and time of the electronic contract management storage unit for setting a code indicating that it is in preparation, and the long-term storage status code indicates that long-term storage preparation is in progress A long-term storage determination means for acquiring a contract management number for which a code is set and the system date and time has passed a predetermined time or more from the final signature date and time, and an electronic code associated with the contract management number acquired by the long-term storage determination means A long-term signature execution unit that acquires a contract from the contract storage unit and executes a long-term signature, and when the long-term signature has been successfully assigned, the long-term storage status code in the electronic contract management storage unit is stored for a long time And a long-term signature execution means for updating the last signature date and time of the electronic contract management storage unit.

It is a figure which shows the whole network structure which concerns on one Embodiment of this invention. It is a block diagram which shows the structure of the electronic loan contract document storage system which concerns on one Embodiment of this invention. It is a figure which shows an example of the information stored in the electronic contract management memory | storage part which concerns on one Embodiment of this invention. It is a figure which shows an example of the information stored in the signature position management memory | storage part which concerns on one Embodiment of this invention. It is a flowchart which processes the signature execution instruction | indication from the client computer which concerns on one Embodiment of this invention. It is a flowchart which processes the discard instruction / discard cancellation instruction from the in-line client computer according to the embodiment of the present invention. It is a flowchart which performs the long-term storage process which concerns on one Embodiment of this invention. It is a flowchart which performs the long-term storage extension process which concerns on one Embodiment of this invention. It is a flowchart which processes the status change instruction | indication from the in-line client computer concerning one Embodiment of this invention. It is a flowchart which performs the storage end process which concerns on one Embodiment of this invention.

  Hereinafter, an electronic loan contract document storage system, method and program thereof according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

  In the present specification, the term “bank signature” is used to denote a digital signature used by a bank to represent a specific event (“discard” or “cancel cancel”) for an electronic document. explain.

  Further, in this specification, a technique for giving a time stamp based on a new encryption technique to an electronic document given an electronic signature and a time stamp will be described using the term “long-term signature”.

  Furthermore, in this specification, the long-term signature process performed for the first time will be described using the term “long-term storage process”, and the long-term signature process performed after the second time will be described using the term “long-term storage extension process”.

  This embodiment relates to a technology for storing an electronic loan contract document created between a bank 1 that provides an electronic loan contract service and a company that has concluded the use of the electronic loan contract service with the bank 1. Is.

  FIG. 1 is a diagram showing an overall network configuration according to an embodiment of the present invention. In FIG. 1, a plurality of client computers 101 a, 101 b,..., 101 n (hereinafter referred to as client computers 101) installed in a company that has concluded the use of an electronic loan contract service with the bank 1 are connected to the network 102. Via the electronic loan contract document storage system 103 installed in the bank 1. The electronic loan contract document storage system 103 is also configured to communicate with a plurality of in-line client computers 104a, 104b,..., 104n (hereinafter referred to as in-line client computers 104) installed in the bank 1. . Furthermore, the electronic loan contract document storage system 103 is configured to communicate with a time stamp station server 106 installed in the time stamp station 2 via a network 105 such as a dedicated line.

  The client computer 101 is a terminal used by a user of a company that has concluded an electronic loan contract service with the bank 1. The user connects to the electronic loan contract document storage system 103 using the user ID and password via the client computer 101, and performs an electronic loan contract business such as applying for a loan contract and giving an electronic signature. In the present embodiment, the storage of electronic loan contracts that have been signed by all the signers designated as signers will be discussed, and detailed description of application for loan contracts, granting of electronic signatures by signers, etc. Shall be omitted.

  The electronic loan contract document storage system 103 includes an electronic contract management storage unit 107 that manages electronic contract information, a signature position management storage unit 108 that manages signature information for each contract, and a contract document that stores an electronic contract document to be managed A storage unit 109 is provided, and the electronic contract management storage unit 107 manages the status of the electronic contract that may change over time, and the long-term signature processing is executed at an appropriate timing according to the status of the electronic contract. This enables storage management of electronic loan contracts handled by the bank 1.

  The bank client computer 104 is a terminal used by bank 1 employees. The bank clerk sends each instruction (for example, “discard”, “cancel cancel”, “complete payment”, “cancellation”, “sale”, “sale”, etc. to the contract stored in the contract storage unit 109 via the client computer 104 in the bank. Can be transmitted to the electronic loan contract document storage system 103. In addition, the bank clerk can transmit an instruction to extend the expiration date of the long-term signature to the electronic loan contract document storage system 103 for the contract stored in the contract document storage unit 109 via the client computer 104 in the bank.

  The time stamp authority server 106 is provided in a time stamp authority that provides a time stamp service and issues a time stamp token as a third party organization. In response to receiving the HASH value of the signature verified electronic contract from the electronic loan contract document storage system 103, the time stamp authority server 106 creates a time stamp from the received HASH value and returns it. The electronic loan agreement storage system 103 can create a long-term signed electronic contract by storing the time stamp transmitted from the time stamp authority server 106 in the signature verified electronic contract.

  Next, the configuration of the electronic loan contract document storage system 103 will be described in detail with reference to the block diagram of FIG. In FIG. 2, only a necessary functional configuration is shown assuming a single computer system, but the electronic loan contract document storage system 103 is configured as a part of a multi-functional distributed system using a plurality of computer systems. You can also

  The electronic loan agreement storage system 103 includes a CPU 203, a storage device 207 including a RAM 203, an input device 204, an output device 205, a communication control device 206, and a nonvolatile storage medium (ROM, HDD, etc.) via a system bus 202. Are connected. The storage device 207 includes a program storage area for storing a software program for performing the above-described functions, and a data storage area for storing data acquired at any time, data as a processing result, and the like. Each means in the program storage area described below is actually an independent software program, its routine, component, etc., which is called from the storage device 207 by the CPU 201 and expanded in the work area of the RAM 203, while referring to the database and the like as appropriate. Each function is performed by being executed sequentially.

  The data storage area includes an electronic contract management storage unit 107, a signature position management storage unit 108, and a contract document storage unit 109. Each is a certain storage area secured in the storage medium 207.

  The electronic contract management storage unit 107 stores management information for each electronic contract. In one embodiment, as shown in FIG. 3, the electronic contract management storage unit 107 stores an electronic contract management number, a contract name, and a storage status code (“0: under contract”, “ 1: Discarded, “2: Completed”, “3: Canceled”, “4: Sold”, “5: Subrogated”, “6: Amortized”, “7: All transferred”), Long-term storage status code (“ “0: not long-term storage”, “1: in preparation for long-term storage”, “2: long-term storage”), long-term storage expiration date, contract date, contract end date, and final signature date / time are stored.

  The storage status code is set to “0: under contract” as an initial value. Thereafter, in response to the discard instruction from the client computer 104 in the bank, the electronic loan contract storage system 103 gives “1: Discard” to the storage status code when the bank signature indicating “Discard” is given to the target electronic contract. "Is set. In addition, the electronic loan contract storage system 103 responds to the completion instruction, cancellation instruction, sale instruction, substitute payment instruction, depreciation instruction, and complete transfer instruction from the bank client computer 104, respectively, and the storage status of the target electronic contract is stored. Set "2: Completed", "3: Cancellation", "4: Sale", "5: Subrogation", "6: Amortization", or "7: Complete transfer" in the code.

  In the long-term storage state code, “0: non-long-term storage” is set as an initial value. After that, (1) when the signatures of all the signers designated as signers are completed, (2) a bank signature indicating “cancellation” or “cancellation cancellation” is given at any timing after (1) In this case, the electronic loan contract document storage system 103 sets “1: Preparing for long-term storage”, which is a target of long-term storage processing, in the long-term storage status code. In addition, after executing the long-term signature processing, the electronic loan contract document storage system 103 sets “2: Long-term storage” in the long-term storage status code.

  Here, when the bank signature indicating “discard” is given, it means that the effect of the target electronic document is lost, that is, the content of the electronic document is substantially changed. Therefore, since it is necessary to store the electronic document in a new state to which the bank signature indicating “discard” is given, “1: long-term storage ready” is set in the long-term storage state code.

  Similarly, if a bank signature indicating “cancellation cancellation” is given, it means that the effect of the target electronic document will occur again. Therefore, in a new state where a bank signature indicating “cancellation cancellation” is assigned, In order to store the electronic document, “1: Preparing for long-term storage” is set in the long-term storage status code.

  In the long-term storage expiration date, after the long-term signature processing is executed by the electronic loan contract storage system 103, the expiration date is stored. In the contract date, the contract date of the contract is stored.

  On the contract end date, in response to a discard instruction from the client computer 104 in the bank, if the electronic loan contract storage system 103 gives a bank signature indicating “discard” to the target electronic contract, (1) cancel The day is set. In response to the completion instruction, cancellation instruction, sale instruction, substitute payment instruction, and all transfer instruction from the client computer 104 in the bank, the electronic loan contract storage system 103 sets “2” as the storage status code of the target electronic contract. : "Completed", "3: Cancellation", "4: Sale", "5: Subrogation" or "7: Complete transfer", (2) Date of payment, (3) Date of cancellation, (4 ) Date of sale, (5) Date of replacement, (6) Date of complete transfer.

  The date and time when the electronic signature is given to the target electronic contract is stored in the final signature date and time. Specifically, in this embodiment, when the signer gives an electronic signature, when a bank signature is given, or when a long-term signature process is executed, the final signature date and time is updated.

  The signature position management storage unit 108 stores signature information for each contract. In one embodiment, as shown in FIG. 4, the signature position management storage unit 108 stores a contract management number, a signature position, a signer identification number, and a signed flag. Contracts differ in the number of signers required to establish a contract depending on the type of contract. For this reason, in the present embodiment, a record of the number of signers necessary in association with the contract management number of the contract is registered in the signature position management storage unit 108, and the signing position of each signer (“1: debtor”, Or “2: joint guarantor”), signer identification number, and signed flag (“0: unsigned” or “1: signed”) indicating whether or not a signature has been assigned.

  The contract document storage unit 109 stores the electronic contract document in association with the electronic contract management number stored in the electronic contract management storage unit 107.

  Software programs stored in the program storage area enumerate only those relevant to the present invention, and electronic signature execution means 208, storage state change means 209, long-term storage determination means 210, long-term storage extension determination means 211, long-term signature An execution unit 212 and a storage end unit 213 are provided.

  In response to a signature execution instruction from the client computer 101, the electronic signature execution unit 208 gives an electronic signature to the electronic contract. When the electronic signature execution unit 208 succeeds in giving the electronic signature, the electronic signature execution unit 208 sets “1: signed” to the signed flag of the corresponding record in the signature position management storage unit 108, and stores the electronic contract management storage unit 107. Update the last signature date. Further, the electronic signature execution unit 208 sets “1” in the long-term storage status code of the electronic contract management storage unit 107 when the signatures of all the signers designated as the signers are completed based on the signature position management storage unit 108. : "Preparing for long-term storage".

  In response to the discard instruction or discard cancel instruction from the in-line client computer 104, the saved state changing unit 209 gives a bank signature indicating “discard” or “cancel cancel” to the target electronic contract. If the bank signature indicating “discard” is successfully assigned, the storage state changing unit 209 sets “1: Discard” in the storage state code of the electronic contract management storage unit 107 and “1: long-term” in the long-term storage state code. Set “Preparing for storage”, update the date and time of the last signature, and set the processing date on the contract end date. Similarly, when the bank signature indicating “cancellation is canceled” has been successfully assigned, the storage state changing unit 209 sets “0: under contract” in the storage state code of the electronic contract management storage unit 107 and sets the long-term storage state code. "1: Preparing for long-term storage" is set, the last signature date is updated, and the initial value (no designation) is set on the contract end date.

  In addition, the storage state changing unit 209 responds to a status change instruction (completed instruction, cancellation instruction, sale instruction, substitution repayment instruction, depreciation instruction, or complete transfer instruction) from the client computer 104 in the bank in response to the status change instruction. The storage status code 107 is set to “2: complete payment”, “3: cancellation”, “4: sale”, “5: substitute payment”, “6: amortization”, or “7: complete transfer”. Each instruction includes a change reference date, and the storage state changing unit 209 sets the change reference date in the contract end date of the electronic contract management storage unit 107 in response to each instruction excluding the depreciation instruction. The change base date is a base date to which the status (complete payment, cancellation, sale, substitute payment, all transfer) change is applied, and in this embodiment, not only the change base date after the system date but also the change before the system date. A reference date can also be set.

  The long-term storage determination unit 210 refers to the long-term storage status code and the final signature date / time of the electronic contract management storage unit 107, and the long-term storage status code is “1: long-term storage ready” and the system date / time is “final signature date / time”. ”Is acquired and transmitted to the long-term signature execution means 212. In the present embodiment, the long-term storage determination unit 210 acquires a contract management number by batch processing that starts in a time zone where the system load is low, such as at night every business day, and transmits the contract management number to the long-term signature execution unit 212. .

  The long-term storage extension determination unit 211 refers to the long-term storage status code and the last signature date / time in the electronic contract management storage unit 107, and the long-term storage status code is “2: long-term storage” and the system date / time is “last signature date / time”. The contract management number that has passed a certain number of years (for example, 7 years) has been acquired. In the present embodiment, the long-term storage extension determination unit 211 acquires a contract management number by batch processing that is started at a time when the system load is low, such as at night every business day, and transmits the contract management number to the long-term signature execution unit 212. To do.

  The long-term signature execution unit 212 acquires the electronic contract associated with the contract management number received from the long-term storage determination unit 210 or the long-term storage extension determination unit 211 from the contract storage unit 109 and acquires it from the time stamp authority server 106. Perform a long-term signature using a time stamp. If the long-term signature has been successfully assigned, the long-term signature execution means 212 sets “2: long-term storage” in the long-term storage status code of the electronic contract management storage unit 107, and the last signature date / time of the electronic contract management storage unit 107, And update long-term storage expiration.

  In addition, the long-term signature execution means 212 responds to the reception of the long-term signature execution instruction for the specific electronic contract from the in-line client computer 104, and the contract storage unit stores the electronic contract associated with the designated contract management number. 109 to obtain a long-term signature.

  In the present embodiment, it is assumed that a long-term signature execution instruction can be transmitted to an electronic contract document whose long-term storage status code in the electronic contract management storage unit 107 is “2: long-term storage”. For example, the bank employee uses the storage status changing means 209 to set the client computer 104 in the bank for an electronic contract in which “4: sale”, “5: substitute payment”, and “7: all transfer” are set in the storage status code. A long-term signature execution instruction can be transmitted via

  When the long-term signature is successfully assigned, the long-term signature execution unit 212 updates the final signature date and time and the long-term storage expiration date in the electronic contract management storage unit 107.

  The storage end means 213 refers to the contract end date in the electronic contract management storage unit 107 and acquires a contract management number whose system date and time has passed a certain number of years (for example, 10 years) from the “contract end date”. Thus, the records in the electronic contract management storage unit 107, the signature position management storage unit 108, and the contract document storage unit 109 specified by the acquired contract management number are deleted. In the present embodiment, it is assumed that the storage end unit 213 acquires the contract management number by batch processing that starts in a time zone where the system load is low, such as every Friday night, and deletes the target record.

(Embodiment of long-term storage)
First, the long-term storage process will be described with reference to FIGS. FIG. 5 is a flowchart for processing a signature execution instruction from a client computer according to an embodiment of the present invention. FIG. 6 is a flowchart for processing a discard instruction / discard cancellation instruction from an in-line client computer according to an embodiment of the present invention. FIG. 5 and FIG. 6 are the processes that are the premise of the long-term storage process, and the electronic contract processed through either FIG. 5 or FIG. 6 is the target of the long-term storage described in FIG.

(Long-term storage premise: signature processing)
The process starts when the user transmits a signature execution instruction including the contract management number and the signer identification number to the electronic loan contract document storage system 103 via the client computer 101.

  In step S <b> 501, the electronic signature execution unit 208 of the electronic loan contract document storage system 103 gives an electronic signature to the electronic contract in response to a signature execution instruction from the client computer 101. In this embodiment, a signature execution instruction including “contract management number: 000000000002” and “signer identification number: 22222222” is received from the client computer 101, and an electronic signature is given to the contract specified by the contract management number Shall.

  If the electronic signature has been successfully assigned, the process proceeds to S502, where the electronic signature execution means 208 sets “1: signed” to the signed flag of the corresponding record in the signature position management storage unit 108, and the electronic contract management storage unit The last signature date and time of 107 is updated. In this embodiment, “1: signed” is set in the signed flag of the record specified by “contract management number: 000000000002” and “signer identification number: 22222222” in FIG. The final signature date / time of the record specified by “contract management number: 000000000002” in a) is updated to “final signature date / time: 2015/2/3 14:00”.

  In step S <b> 503, the electronic signature execution unit 208 determines whether the signatures of all the signers designated as signers have been completed based on the signature position management storage unit 108. In this embodiment, as shown in FIG. 4B, “1: signed” is set in all “signed flags” of two records registered with “contract management number: 000000000002”. Therefore, it is determined that the signatures of all the signers designated as signers have been completed, and the process proceeds to S504.

  In step S <b> 504, the electronic signature execution unit 208 sets “1: preparing for long-term storage” to the long-term storage status code in the electronic contract management storage unit 107 and ends the processing. In the present embodiment, as shown in FIG. 3B, the process is terminated by setting “1: long-term storage ready” to the long-term storage status code of the record specified by “contract management number: 000000000002”. Shall.

(Long-term storage premise: destruction / discard cancellation processing)
Processing is started when the bank employee sends a discard instruction or a cancel cancellation instruction including the contract management number to the electronic loan contract document storage system 103 via the client computer 104 in the bank.

  In step S <b> 601, the storage state changing unit 209 of the electronic loan contract document storage system 103 responds to the discard instruction or the cancel cancellation instruction from the in-line client computer 104 to “discard” or “cancel cancel” in the target electronic contract. A bank signature representing is given. In this embodiment, it is assumed that a discard instruction including “contract management number: 000000000005” is received from the client computer 104 in the bank, and a bank signature indicating “discard” is given to the contract specified by the contract management number.

  If the bank signature indicating “discard” is successfully assigned, the process advances to step S602, and the storage state change unit 209 sets “1: discard” in the storage state code of the electronic contract management storage unit 107. In this embodiment, “1: Discard” is set in the storage status code of the record specified by “contract management number: 000000000005” in FIG.

  In step S <b> 603, the storage state changing unit 209 sets “1: long-term storage preparation in progress” in the long-term storage state code of the electronic contract management storage unit 107. In the present embodiment, “1: preparing for long-term storage” is set in the long-term storage status code of the record specified by “contract management number: 000000000005” in FIG.

  In step S <b> 604, the storage state change unit 209 updates the last signature date / time in the electronic contract management storage unit 107. In the present embodiment, the final signature date / time of the record specified by “contract management number: 000000000005” in FIG. 3A is updated to “final signature date / time: 2015/2/3 15:05”.

  In step S <b> 605, the storage state changing unit 209 sets the processing date on the contract end date in the electronic contract management storage unit 107 and ends the process. In the present embodiment, as shown in FIG. 3B, the processing is ended by setting “2015/2/3” to the contract end date of the record specified by “contract management number: 000000000005”. And

(Long-term storage processing)
In the present embodiment, the process is started by a batch process that starts at 0:00 every business day.

  In step S701, the long-term storage determination unit 210 of the electronic loan contract document storage system 103 refers to the long-term storage state code and the last signature date / time of the electronic contract management storage unit 107, and the long-term storage state code is “1: long-term storage in preparation”. The contract management number whose system date and time has passed 24 hours or more from the “last signature date and time” is acquired and transmitted to the long-term signature execution means 212 of the electronic loan contract document storage system 103. In this embodiment, the process is started at 0:00 on February 5, 2015, and the long-term storage determination unit 210 displays the long-term storage status code and the last signature date / time of the electronic contract management storage unit 107 shown in FIG. It is assumed that the contract management number including “contract management number: 000000000002” and “contract management number: 000000000005” is acquired and transmitted to the long-term signature execution unit 212.

  In step S <b> 702, the long-term signature execution unit 212 acquires the electronic contract associated with the contract management number received from the long-term storage determination unit 210 from the contract storage unit 109 and uses the time stamp acquired from the time stamp authority server 106. Long-term signatures. In the present embodiment, a plurality of electronic contracts including an electronic contract associated with “contract management number: 000000000002” and “contract management number: 000000000005” are acquired from the contract storage unit 109 and a long-term signature is executed. And

  If the long-term signature has been successfully assigned, the process advances to step S703, and the long-term signature execution unit 212 sets “2: long-term storage” in the long-term storage status code of the electronic contract management storage unit 107. In this embodiment, as shown in FIG. 3C, “2: Long-term storage” is added to the long-term storage status code of the record specified by “contract management number: 000000000002” and “contract management number: 000000000005”. set.

  In step S <b> 704, the long-term signature execution unit 212 updates the final signature date / time in the electronic contract management storage unit 107. In this embodiment, as shown in FIG. 3C, the last signature date and time of the record specified by “contract management number: 000000000002” and “contract management number: 000000000005” is updated to “final signature date and time: 2015”. / 2/5 0:00 ”.

  In step S <b> 705, the long-term signature execution unit 212 sets the long-term storage expiration date of the electronic contract management storage unit 107 and ends the process. In this embodiment, as shown in FIG. 3C, “2025/2/4” is set as the long-term storage expiration date of the record specified by “contract management number: 000000000002” and “contract management number: 000000000005”. It is assumed that the processing has been completed after setting.

(Embodiment for extended long-term storage)
Next, the long-term storage extension process will be described with reference to FIGS. The electronic contract on which the long-term storage processing described with reference to FIG. 7 has been executed becomes the target of the long-term storage extension described with reference to FIG. In the present embodiment, processing is started by batch processing that starts at 1:00 every business day.

  In S801, the long-term storage extension determination unit 211 of the electronic loan contract document storage system 103 refers to the long-term storage status code and the last signature date / time of the electronic contract management storage unit 107, and the long-term storage status code is “2: Long-term storage in progress”. ”And a contract management number whose system date and time has passed seven years or more from the“ last signature date and time ”is acquired. In the present embodiment, the processing is started at 2015/2/6 1:00, and the long-term storage determination unit 210 displays the long-term storage status code and the last signature date / time of the electronic contract management storage unit 107 shown in FIG. It is assumed that a contract management number including “contract management number: 000000000003” is acquired and transmitted to the long-term signature execution unit 212.

  In step S <b> 802, the long-term signature execution unit 212 acquires the electronic contract associated with the contract management number received from the long-term storage extension determination unit 211 from the contract storage unit 109, and uses the time stamp acquired from the time stamp authority server 106. Use to perform long-term signatures. In the present embodiment, it is assumed that a plurality of electronic contracts including an electronic contract associated with “contract management number: 000000000003” are acquired from the contract storage unit 109 and a long-term signature is executed.

  If the long-term signature has been successfully assigned, the process advances to step S803, and the long-term signature execution unit 212 updates the final signature date and time in the electronic contract management storage unit 107. In the present embodiment, as shown in FIG. 3D, the last signature date / time of the record specified by “contract management number: 000000000003” is updated to “final signature date / time: 2015/2/6 1:00”. And

  In step S <b> 804, the long-term signature execution unit 212 sets a long-term storage expiration date in the electronic contract management storage unit 107 and ends the process. In the present embodiment, as shown in FIG. 3D, “2025/2/5” is set as the long-term storage expiration date of the record specified by “contract management number: 000000000003”, and the processing is terminated. Shall.

(Embodiment of storage termination)
Finally, the storage end process will be described with reference to FIGS. 3, 6, 9, and 10. FIG. FIG. 9 is a flowchart for processing a status change instruction from the in-line client computer according to the embodiment of the present invention. 6 and FIG. 9 are the processes that are the premise of the storage end process, and the electronic contract with the contract end date set through either FIG. 6 or FIG. 9 is the storage end target described in FIG. Become.

(Storage premise: destruction process)
Since the processing of FIG. 6 is duplicated, description thereof is omitted. In the example described with reference to FIG. 6, the electronic contract with the discard instruction received in S601 and the contract end date set in S605 is the target of storage termination.

(Storage premise: Status change processing)
Processing is started when the bank employee sends a status change instruction including the contract management number and the change reference date to the electronic loan contract document storage system 103 via the client computer 104 in the bank.

  In step S <b> 901, the storage state changing unit 209 stores the storage state of the electronic contract management storage unit 107 in response to a completion instruction, cancellation instruction, sale instruction, substitution payment instruction, depreciation instruction, or complete transfer instruction from the in-line client computer 104. Set "2: Completed", "3: Cancellation", "4: Sale", "5: Subrogation", "6: Amortization", or "7: Complete transfer" in the code. In this embodiment, a cancellation instruction including “contract management number: 000000000006” and “change reference date: 2015/2/3” is received from the client computer 104 in the bank, and “contract management number: Assume that “3: cancellation” is set in the storage status code of the record specified by “000000000006”.

  In step S902, the storage state changing unit 209 determines whether the received status change instruction is a depreciation instruction. In this embodiment, it determines with it not being a depreciation instruction | indication, and progresses to S903.

  In step S903, the storage state changing unit 209 sets the change reference date on the contract end date in the electronic contract management storage unit 107, and ends the process. In the present embodiment, as shown in FIG. 3B, the processing is ended by setting “2015/2/3” to the contract end date of the record specified by “contract management number: 000000000006”. And

(Storage termination process)
In the present embodiment, the process is started by a batch process that starts at 23:00 every Friday. Hereinafter, processing performed in the future for the electronic contract specified by “contract management number: 000000000005” and “contract management number: 000000000006” for which the contract end date is set in FIG. 3D will be described. The record specified by “contract management number: 000000000005” is subject to long-term storage extension processing at 2023/2/5 1:00, seven years or more after the last signature date and time, and “contract management number: 000000000006”. The specified records are subject to long-term storage extension processing at 5: 15/15 1:00 and 2023/5/15 1:00, more than 7 years after the last signature date and time, Friday, February 7, 2025 It is assumed that the information shown in FIG.

  In S1001, the storage end unit 213 of the electronic loan contract document storage system 103 refers to the contract end date in the electronic contract management storage unit 107, and the contract management for which the system date and time has passed 10 years or more from the “contract end date”. Get the number. In this embodiment, it is assumed that “contract management number: 000000000005” and “contract management number: 000000000006” have been acquired.

  In step S1002, the storage end unit 213 deletes the records in the electronic contract management storage unit 107, the signature position management storage unit 108, and the contract document storage unit 109 specified by the acquired contract management number, and ends the process.

  As described above, according to the present invention, the status of the electronic contract that may change with the passage of time is managed by the electronic contract management storage unit 107, and the long-term signature processing is executed at an appropriate timing according to the status of the electronic contract. As a result, the long-term storage processing can be started without omission at an appropriate timing according to an event peculiar to the electronic loan contract, and then the long-term storage extension processing can be executed. Furthermore, for electronic loan contracts that do not have a clear retention date, it is possible to actually manage storage of electronic loan contracts that continue to increase by executing storage termination processing at an appropriate timing according to the status. can do.

  In the embodiment, the timing and frequency at which the process is started are defined as a specific timing and frequency. However, it is understood by those skilled in the art that any timing and frequency can be set.

Claims (9)

An electronic contract management storage unit that stores the long-term storage status code and the last signature date and time linked to the contract management number;
A contract storage unit that stores the electronic contract in association with the contract management number;
In response to the signature execution instruction, an electronic signature execution means for giving an electronic signature to the electronic contract, and when the electronic signature is successfully assigned, updates the last signature date and time of the electronic contract management storage unit, and An electronic signature execution means for setting a code indicating that long-term storage preparation is in progress in the long-term storage status code of the electronic contract management storage unit when the signatures of all the signers designated as signers of the electronic contract are completed;
With reference to the long-term storage status code and the last signature date / time of the electronic contract management storage unit, a code indicating that long-term storage preparation is in progress is set in the long-term storage status code, and the system date / time is a predetermined time from the last signature date / time. Long-term storage judgment means for acquiring the contract management number that has passed above,
An electronic contract associated with the contract management number acquired by the long-term storage determination unit is acquired from the contract storage unit and is a long-term signature execution unit that executes a long-term signature, and when the long-term signature is successfully granted, A system comprising: a long-term signature execution unit configured to set a code indicating long-term storage in the long-term storage status code of the electronic contract management storage unit and update a final signature date and time of the electronic contract management storage unit . Referring to the long-term storage status code and the last signature date / time of the electronic contract management storage unit, a code indicating that the long-term storage is being performed is set in the long-term storage status code, and the system date / time is equal to or greater than a predetermined number of years from the last signature date / time. It further comprises a long-term storage extension judging means for acquiring the contract management number that has passed,
The long-term signature execution means acquires an electronic contract associated with the contract management number acquired by the long-term storage extension determination means from the contract storage unit and executes the long-term signature, and when the long-term signature is successfully granted, The system according to claim 1, wherein a last signature date and time of the electronic contract management storage unit is updated.   In response to the destruction instruction or the cancellation cancellation instruction, if the storage state changing means for giving an electronic signature indicating the cancellation or cancellation cancellation to the electronic contract, and successfully giving the electronic signature indicating the cancellation or cancellation cancellation, The system according to claim 1, further comprising: a storage state changing unit that sets a code indicating that long-term storage preparation is in progress in the long-term storage state code, and updates the final signature date and time. The electronic contract management storage unit further stores a contract end date,
The storage state changing means sets the processing date on the contract end date when the electronic signature representing the cancellation is successfully assigned, and sets the processing date on the contract end date when the electronic signature indicating the cancellation is canceled. Set
In response to the status change instruction including the change reference date, the storage state change means sets the change reference date to the contract end date,
With reference to the contract end date in the electronic contract management storage unit, the contract date and time when the system date and time has passed a predetermined number of years or more from the contract end date is acquired, and the electronic specified by the acquired contract control number 4. The system according to claim 3, further comprising a storage ending unit for deleting a record in the contract management storage unit and the contract document storage unit. In a system comprising an electronic contract management storage unit that stores a long-term storage status code associated with a contract management number and a final signature date and time, and a contract storage unit that stores an electronic contract in association with a contract management number,
The electronic signature executing means of the system gives an electronic signature to the electronic contract in response to the signature execution instruction;
When the electronic signature is successfully assigned, the electronic signature execution means updates the last signature date and time of the electronic contract management storage unit, and the signatures of all the signers designated as signers of the electronic contract are completed. If so, a step of setting a long-term storage preparation code in the long-term storage status code of the electronic contract management storage unit;
The system long-term storage determination means refers to the long-term storage status code and the last signature date and time of the electronic contract management storage unit, and a code indicating that long-term storage preparation is in progress is set in the long-term storage status code, and the system date and time Acquiring a contract management number for which a predetermined time or more has passed since the last signature date and time;
A long-term signature execution unit of the system acquires an electronic contract associated with the contract management number acquired by the long-term storage determination unit from the contract storage unit, and executes a long-term signature;
When the long-term signature has been successfully assigned, the long-term signature execution means sets a code indicating long-term storage in the long-term storage status code of the electronic contract management storage unit, and updates the last signature date and time of the electronic contract management storage unit And performing the steps of: The system long-term storage extension judging means refers to the long-term storage status code and the last signature date / time of the electronic contract management storage unit, and the long-term storage status code is set to a code indicating long-term storage, and the system date / time Acquiring a contract management number for which a predetermined number of years have passed since the last signature date;
The long-term signature execution means acquires an electronic contract associated with the contract management number acquired by the long-term storage extension determination means from the contract storage unit and executes a long-term signature;
6. The method according to claim 5, wherein if the long-term signature has been successfully assigned, the long-term signature execution means further executes a step of updating a final signature date and time of the electronic contract management storage unit. The storage state changing means of the system, in response to the destruction instruction or the destruction cancellation instruction, giving an electronic signature indicating the destruction or cancellation cancellation to the electronic contract;
If the digital signature indicating destruction or cancellation of cancellation is successfully assigned, the storage state changing means further sets the long-term storage state code to indicate that long-term storage is being prepared and updates the final signature date and time. The method according to claim 5 or 6, wherein: The electronic contract management storage unit further stores a contract end date,
When the electronic signature representing the destruction is successfully given, the saving state changing means sets a processing date on the contract end date; and
If the digital signature representing the cancellation cancellation succeeds, the saving state changing means sets an initial value on the contract end date; and
The storage state changing means, in response to a status change instruction including a change reference date, setting the change reference date to the contract end date;
The storage end means of the system refers to the contract end date of the electronic contract management storage unit, acquires the contract management number whose system date and time has passed a predetermined number of years from the contract end date, and acquires the contract The method according to claim 7, further comprising: deleting the records of the electronic contract management storage unit and the contract document storage unit specified by a management number.   The program for making a computer perform the method in any one of Claims 5 thru | or 8.

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